BACBank of America
Bank of America Corporation is a Delaware corporation, a bank holding company (BHC) and a financial holding company. 10-K, Item 1
- Employees
- 213,000
- Headquarters
- Charlotte, NC
- CEO
- Brian T. Moynihan
- Next results
- around Jan 13, 2027
Numbers that matter for banks, which general screens compare wrongly. Some come from the 10-K's XBRL. The rest are quoted from the company's own filings, because there is no standard tag for them: the sentence is the source.
Net interest margin
2.2% 10-Q filed 2026-10-30What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“Net interest yield on a fully taxable-equivalent (FTE) basis increased 15 basis points (bps) to 2.16 percent and 12 bps to 2.10 percent for the three and nine months ended September 30, 2026 compared to the same periods in 2025.”
Read it in the filing ↗
Efficiency ratio
61.7% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 67.0% | 64.7% | 64.1% | 63.1% | 61.7% |
XBRL: NoninterestExpense, 0000070858-26-000157; InterestIncomeExpenseNet, 0000070858-26-000157; NoninterestIncome, 0000070858-26-000157
Loans to deposits
58.1% fiscal year to Dec 31, 2025How much of its deposits the bank has lent out.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 46.8% | 53.5% | 54.1% | 55.1% | 58.1% |
XBRL: FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss, 0000070858-26-000548; Deposits, 0000070858-26-000548
Return on tangible common equity
13.1% fiscal year to Dec 31, 2025Net income over common equity without goodwill and intangibles (net income is before preferred dividends, so this runs a little high for banks with preferred stock).
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 16.1% | 13.6% | 12.0% | 12.1% | 13.1% |
XBRL: NetIncomeLoss, 0000070858-26-000157; StockholdersEquity, 0000070858-26-000548; Goodwill, 0000070858-26-000548; IntangibleAssetsNetExcludingGoodwill, 0000070858-26-000548
Net interest income
$60.1B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $42.9B | $52.5B | $56.9B | $56.1B | $60.1B |
XBRL: InterestIncomeExpenseNet, 0000070858-26-000157
Work on BAC in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/BAC/export.csv") into a cell.